Property Appreciation Calculator
Property investment returns come from two sources: capital appreciation (price growth) and rental income. This calculator projects future property value at your chosen appreciation rate, adds rental income, estimates LTCG tax (12.5% post-Budget 2024), and shows your net after-tax gain over the holding period.
Frequently Asked Questions
What has been the historical property appreciation in India?+
Property appreciation varies greatly by location. Tier-1 metros (Mumbai, Delhi NCR, Bengaluru, Hyderabad) have averaged 5–12% p.a. over 10–15 years in premium localities. Secondary cities 4–8%. Some micro-markets near IT hubs or infrastructure projects have seen 15–20% p.a. spurts. Tier-3 cities can be flat or negative for years. Past returns don't guarantee future appreciation.
How is LTCG on property taxed after Budget 2024?+
Post-Budget 2024: LTCG on property (held 2+ years) is taxed at 12.5% without indexation benefit. Previously, the rate was 20% with indexation. For properties bought before 2001, the cost inflation index (CII) still applies with the old regime as a one-time option. STT doesn't apply to property; stamp duty on acquisition is addable to cost.
Should I factor in maintenance costs?+
Yes — maintenance and repair costs reduce actual returns. Typical annual costs: society maintenance (₹3,000–₹15,000/month), periodic painting (₹50,000–₹2L every 5–7 years), minor repairs (1–2% of property value per decade). For rental properties, factor in 1–2 months vacancy and tenant-change costs annually.